In collaboration with The United States Conference of Mayors, we benchmark the average amount of mortgage, student loan, auto and credit card debt of people in 20 cities across the country using credit report data from Credit Karma.

Credit Karma invited more than 1,000 of our more than 60 million members to take a quiz designed by our own Chief Consumer Advocate, Bethy Hardeman, to see how many understood how credit works. Some financial concepts are better understood than others, we discovered.

How financial concepts are presented can have a big impact on how people feel about their bank statement. A newCredit Karma survey shows that the closer fine print is to language people use to talk to their friends, the more likely they are to find it not just helpful, but trustworthy.

It turns out having clean air and water is something almost everyone can agree is important. The majority in a recent Credit karma survey ranked the environment as very or extremely important and some segments found it even more important than others.

A new survey by Credit Karma finds that contrary to trending criticisms, young people really are interested in “adulting” in pretty traditional ways. They are getting married and buying homes and cars in large numbers. Urban, suburban and rural 18-34 year-olds are starting families and using credit cards.

Credit Karma looked at the average credit card usage, limits, number of cards, inquiries and collections, plus amount of credit card, mortgage, student loan and auto loan debt for the millennials in our membership of more than 50 million people to determine what mix resulted in higher credit scores.

With more than 75 million members, Credit Karma has unique insights on everything from credit cards and mortgages to personal, student and auto loans. If you are working on a personal finance story that could be informed by geographic, demographic or socioeconomic data or tips for living the best financial life, we might be able to help.